21+ Protections. One Price.
Most services only handle interest rates. We handle everything—rates, leases, contracts, insurance, taxes, and more.
Everything included
Financial Protections
Lower rates on all pre-service debts and recover past overcharges
6% Interest Rate Cap
All debts incurred before active duty are capped at 6% APR—credit cards, auto loans, mortgages, personal loans.
Avg $200-500/month savingsRetroactive Refund Recovery
We calculate and demand refunds for any interest charged above 6% since your activation date—often thousands of dollars.
Avg $500-5,000+ recoveredForeclosure Protection
No foreclosure during service plus 9 months after. We send protection notices to your mortgage servicer.
Repossession Protection
Creditors can't repossess your vehicle without a court order while you're on active duty.
Credit Protection
Lenders can't deny you credit, change terms, or report negative info for asserting SCRA rights.
Housing Protections
Terminate leases and protect against eviction
Residential Lease Termination
Break apartment or house leases without penalty when you receive PCS orders, deployment orders, or enter active duty.
Avg $1,000-5,000 in avoided feesEviction Protection
Landlords can't evict you without a court order for rent under the federal threshold (adjusted annually for inflation).
Storage Lien Protection
Storage facilities can't sell your belongings for non-payment without a court order during your service.
Vehicle Protections
Terminate vehicle leases and protect against repossession
Vehicle Lease Termination
Cancel car or truck leases without early termination fees when you receive 180+ day orders or overseas PCS.
Avg $2,000-8,000 in avoided feesVehicle Repossession Protection
Lenders need a court order to repossess your vehicle during active duty service.
Contract Cancellations
Exit consumer contracts without early termination fees
Cell Phone Contracts
Cancel mobile service contracts without ETF when deploying or relocating 90+ days to a location without coverage.
Avg $200-500 in avoided feesInternet Service
Terminate internet contracts without penalty when relocating due to military orders.
Avg $100-300 in avoided feesGym Memberships
Cancel gym contracts and memberships without penalty when you receive deployment or PCS orders.
Avg $100-500 in avoided feesHome Security Services
Exit home security monitoring contracts without early termination fees.
Avg $200-1,000 in avoided feesInsurance Protections
Protect your coverage and suspend premiums
Professional Liability Suspension
Doctors, lawyers, and other professionals can suspend liability insurance during service and get premium refunds.
Avg $500-2,000/year in refundsLife Insurance Protection
Insurance companies can't terminate coverage or require extra premiums due to military service.
Health Insurance Reinstatement
Reinstate civilian health insurance after service without waiting periods, exclusions, or penalties.
Tax & Legal Protections
Defer taxes, protect state residency, and pause legal proceedings
Income Tax Deferral
Defer federal and state taxes due before or during service if your ability to pay is materially affected—no penalties or interest.
State Tax Domicile Protection
Only pay state taxes to your home state—even if stationed elsewhere. Avoid double taxation.
Avg $500-5,000/year in savingsDefault Judgment Protection
Courts can't enter default judgments against you in civil cases while on active duty.
Stay of Proceedings
Postpone civil court proceedings, bankruptcy, divorce, or foreclosure for 90+ days when service prevents attendance.
Professional License Portability
Your professional licenses transfer across state lines when you PCS. No re-licensing required.
What You Get
We handle everything. You watch the savings roll in.
Full Eligibility Analysis
We analyze your situation across all 21+ SCRA protections—not just interest rates.
Demand Letters Generated
Professionally written letters for every creditor, landlord, and company. Legally compliant.
Certified Mail Sent
We mail everything via certified mail with tracking. Postage included—no extra cost.
Response Tracking
Real-time dashboard shows status of every claim. Know exactly what's happening.
Refund Calculation
We calculate exactly how much you're owed in retroactive refunds and demand it back.
12 Months Monitoring
We monitor lender compliance for a full year and alert you to any issues.
Document Storage
All your SCRA documents stored securely forever. Access anytime you need them.
Escalation Support
If any company denies your claim, we help you escalate to CFPB, state AG, and military legal.
Ready to Claim All Your Benefits?
$59 filing fee. All 21+ protections. Average savings: $4,200/year.